Attention homeowners in Newburgh and Warrick County: Get an Appraisal today!
Check out the top seven reasons why Indiana homeowners order from Scheller and Associates, Inc. :
We at Scheller and Associates, Inc. understand the particular needs of a consumer after appraisal services. Our typical business clients are used to the appraisal process and the usual reporting formats. Being a regular homeowner that most likely doesn't see an appraisal on a regular basis, we'll be sure you get extra guidance and explanations through the appraisal process to better understand what we do and how we report the results of our analysis.
For Sale by Owner (FSBO)/Pre-Listing ServicesIt's very hard to be objective about your home because of your emotional attachment to it. The professional appraisers at Scheller and Associates, Inc. will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is very valuable as a negotiating tool once you have a potential buyer, in addition to helping you set a realistic selling price so your home will attract buyers. It's something tangible to show the buyer. It's an independent third party's opinion of your home's value, and not just you saying how much you think your home is worth. Interested buyers know you have an emotional attachment to your house and will be far more likely to give credibility to a professional appraiser's value report than yours.
Challenging property tax assessmentsYour local tax assessor may have your house overvalued if you live in an area that is declining or is not appreciating as much as other properties nearby. This only means you are most likely paying higher taxes than you should be paying. The faster you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. An appraisal report from Scheller and Associates, Inc. is your strongest weapon when challenging your property tax assessment.
PMI Removal AppraisalsAn attractive way to save money for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Your monthly payments will go down once your mortgage loan amount is less than 80% of the value of your house. In most cases you can apply to your lender to have the PMI eliminated from your loan. We're qualified in helping clients just like you rid yourselves of unneeded PMI insurance.
HELOC recently frozen?If your home is close to a declining area, your lender might choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be unsuitable from a cash flow standpoint, but it can be unfavorable to your credit score since it may appear as though that credit line is maxed out. An expert appraisal from Scheller and Associates, Inc. can help you reinstate your HELOC.
Field and Desktop Appraisal Review ServicesHave you just received a copy of your appraisal and you'd like to have a veteran appraiser double-check it for efficiency or do you desire a second opinion without the charge and delay of waiting for a whole new appraisal? An appraiser from Scheller and Associates, Inc. can go out and check the subject and comparables in a field review. Or, if you need it immediately, we can provide you with a desk review and verify as many facts as we can, using online data sources as well as our own files.
We can also provide you with a retrospective review of any appraisal you may have in your possession. Although most appraisal reviews are requested by lenders, homeowners that have reason to believe a prior appraisal wasn't above board are wise to get a second opinion.